[rattlsnak]

i had the same problem with Key Bank. after several phone calls and talking to two managers, they could not understand the difference!!! what they would do, is apply the overage to next months payment. I said NO, i want to pay the extra to PRINCIPAL. I swear i almost came through the phone. They just didnt get it. i was paying it online, but finally they said the only way they could do that is if i send in two seperate checks wtih the statement.